In 2012, more than 1.6 million Ontarians over 15 years old reported having a disability. That figure represented 15.4% of Ontario’s over-15 population at that time. Disabilities often prevent a person from gainful employment, making it impossible for that person to support him- or herself.
Fortunately, a disabled worker may be able to rely on one or more of three different types of Ontario disability benefits to help fill the financial gap left by an inability to work:
- Canada Pension Plan (CPP) disability benefits;
- Ontario Disability Support Program (ODSP); or
- Private disability insurance.
Each of these types of benefits comes with different requirements and limitations, and the rules governing each can be highly technical and confusing. Below, we list basic information to provide a rough idea of the Ontario disability amounts provided by these three sources.
However, bear in mind that the amounts below are rough. There are many factors that can impact what amounts are available to a disabled Ontario worker, and these should be discussed with a knowledgeable Ontario disability lawyer if you believe you are not receiving all you are entitled to.
Article at a Glance
Article at a Glance
- Ontario disability amounts vary based on source and a disabled worker’s individual circumstances.
- The maximum monthly CPP disability benefit amount is $1,355.83, and the average is $958.03.
- ODSP income supports vary widely in amount depending on a person’s family size and living arrangements.
- Private disability insurance policies generally cover 60% to 70% of a person’s pre-disability income.
Our personal injury lawyers can meet with you for a free initial consultation. Call (416) 364-2000
Canada Pension Plan Disability Benefits
The Canada Pension Plan is a social insurance program that provides income-replacement benefits upon disability, retirement, or death for Canadians who have contributed to it. The total amount of CPP disability benefits that a person will receive depends on his or her contributions to the program while working.
CPP disability benefits include two components. Every eligible person receives a basic monthly amount fixed at $485.20. The remaining amount is determined by how much a person has contributed to CPP and for how long he or she has made contributions.
For 2018, the maximum monthly disability benefit under the CPP is $1,355.83. The average benefit is less than that, however: $958.30.
Benefits for Dependent Children
In addition to benefits for a disabled worker, his or her dependent children, if any, may also qualify for children’s benefits. The children’s benefit is a fixed monthly amount of $244.64 during 2018, and is only available while the disabled worker is receiving CPP disability benefits.
To be eligible for the CPP disability children’s benefit, a child must be:
- The disabled worker’s natural child;
- A child adopted by the disabled worker when the child was younger than 21; or
- A child in the disable worker’s custody and control under the age of 21.
In addition, to qualify as a dependent, the child must be younger than 18 or under 25 and attending a school or university on a full-time basis.
Ontario Disability Support Program
ODSP is a provincial program that provides income supports and employment supports for eligible disabled Ontarians. ODSP is a needs-based program, which means it is not tied to a person’s contributions in the way CPP benefits are.
How to Calculate ODSP Income Support Benefits
ODSP’s income supports are provided as monthly payments to program participants. They are meant to help pay for such things as food, clothing, and shelter. The amount of these payments depends on a person’s living arrangements.
For program participants who own or rent their own homes, ODSP income supports include a basic needs component and a shelter component. The monthly basic needs benefit as of September 1, 2018 is:
|No dependants||One minor dependant||One adult dependant (other than a spouse)||Two minor dependants||One minor and one adult dependant||Two adult dependants (other than a spouse)|
|Married couple with one disabled spouse|
|Married couple with two disabled spouses|
The amount of ODSP shelter allowance will be based on his or her actual costs for rent, mortgage payments, occupancy costs, taxes, utilities, heating costs, water, sewage, and insurance premiums for the home or its contents. However, the shelter allowance is limited to the following maximum amount:
|Family size||Maximum monthly shelter allowance|
The total amount of income supports available to a married couple both of whom qualify for the program is generally limited to a maximum of $1,971 per month. In addition, Ontarians who live north of the 50th parallel and are without year-round road access may qualify for the Remote Communities Allowance, an additional monthly amount.
If a participant does not own or rent his or her own home, but receives food and shelter from the same source (e.g., his or her parents), his or her income supports are subject to a separate calculation.
Other income support benefits, such as health benefits, may also be available.
Private Disability Insurance
Disability insurance is insurance that provides income replacement in the event of disability. In Ontario, disability insurance can be purchased by an individual, but is frequently provided by an employer.
Disability insurance policies vary significantly. As such, it is not possible to provide as much detail about their benefits as for the CPP and ODSP. However, the typical long-term disability insurance policy pays between 60% and 70% of a person’s pre-disability income.
Complete a Free Case Evaluation form now
Ontario Disability Amounts: Getting Help with Your Benefits
This article could be much longer. The rules governing CPP and ODSP eligibility and the calculations they use to determine a person’s monthly benefit are highly complex, taking into account many factors other than those listed here.
And insurance companies often try to pad their bottom lines by avoiding paying out disability claims on even the flimsiest of rationales, making private disability insurance another complex area of the law.
Ultimately, a brief article could never examine all the rules, sub-rules, exceptions, and caveats that determine a worker’s Ontario disability amounts under the CPP, ODSP, or disability insurance policies. To ensure you’re receiving all that you are entitled to, you need to work with an experienced disability lawyer in Ontario. Contact Preszler Law Firm today to schedule a free, no-obligation consultation and begin getting the benefits you deserve.